An important component of most private insurance plans is the out-of-pocket (OOP) limit. These limits place an annual cap on the amount of cost-sharing (deductibles, copayments, and coinsurance) an enrollee can face for in-network covered services each year. By doing so, OOP limits provide significant financial protection for individuals who face substantial health care use […]| Peterson-KFF Health System Tracker
Early indications are that individual market insurers will be increasing premiums in 2026 by more than they have since 2018, the last time policy uncertainty contributed to sharp premium increases. Across 105 ACA Marketplace insurers in 20 markets (19 states and the District of Columbia), premiums are increasing by a median of 15%. These filings are still preliminary and may change.| Peterson-KFF Health System Tracker
Employer-based coverage is the most common source of health insurance for non-elderly Americans. The cost of employer sponsored health insurance—including premiums, deductibles, and other out-of-pocket costs—has risen steadily over time, which differentially impacts families with different levels of income.| Peterson-KFF Health System Tracker
The Peterson Center on Healthcare and KFF are partnering to monitor how well the U.S. healthcare system is performing in terms of quality and cost. The Peterson-KFF Health System Tracker provides clear, up-to-date information on trends, drivers and issues that impact the performance of the system. It also illustrates how the U.S. is […]| Peterson-KFF Health System Tracker
Using health insurer financial data for 2023, we find that in 2023, per enrollee gross margins were highest in the Medicare Advantage market, and medical loss ratios were lowest in the individual insurance market. Across most markets, gross margins have been relatively stable in recent years.| KFF